According to research by Coinbase and Ipsos Research, Gen Z and millennial investors are trading more frequently, taking on greater risks, and demonstrating a higher demand for cryptocurrencies, derivatives, and other non-traditional products than older investors.

The study, based on a survey of over 2,000 US investors, suggests this shift is structural. Although 73% of young respondents believe traditional methods of accumulating wealth have become less accessible, they are quite optimistic about the long-term economic outlook.

Young investors are more likely to manage their own finances, and nearly 70% express greater confidence in their own vision than in the advice of traditional financial advisors. They also subscribe to cryptocurrency-related social media channels and monitor other investors for advice.

This approach is reflected in their trading behavior: they trade more frequently, are more willing to use leverage, and allocate a larger share of their portfolios to non-traditional assets. On average, about a quarter of their assets are not traditional stocks and bonds, compared to less than 10% for older investors.

60% of young investors own at least one cryptocurrency, and 35 to 40% own derivatives. (Coinbase data)

They value constant access to the platform, opportunities for rapid growth, and integration with digital and social tools.